How Much are Insurance Quotes for a Jeep Grand Cherokee in North Dakota?

Since we’re writing about car insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap car insurance for a Jeep Grand Cherokee does not exist. Don’t let that get you down, though, because we are going to tell you how you can get auto insurance that doesn’t cost an arm and a leg.

Your ability to find the best cheap auto insurance for a Jeep Grand Cherokee in North Dakota is dependent upon a complicated equation that takes into consideration things such as whether you are married, whether you are claim-free, and if you have tickets or violations. Drivers in North Dakota will pay on average $700 annually for Grand Cherokee insurance, but that is a projection calculated using a 50-year-old married female that has comprehensive and collision coverage and $500 deductibles.

There is a good probability you are not 50 and possibly not even female, you might be single instead of married, and you need different coverage limits than the sample rates. There is no “one size fits all” policy, so your best shot at finding cheap auto insurance rates for your Jeep is to do the rate comparisons yourself. It only takes a couple of minutes and you will receive rate quotes from top-rated car insurance companies around.

Find Cheaper Jeep Grand Cherokee Insurance

The trim level of your Grand Cherokee will likely have an effect on the cost of insurance, so the price you pay to insure a Grand Cherokee Laredo 2WD model will be $66 cheaper than the insurance cost for the higher-end Grand Cherokee SRT-8 4WD version, as shown in the table below.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific garaging location which can revise prices noticeably.

Figuring out which companies quote the cheapest auto insurance rates for a Jeep Grand Cherokee involves more time in order to find the best price.

Every auto insurer has a proprietary formula to set policy rates, so we’ll go over the lowest cost auto insurance companies in North Dakota. It’s a good idea to know that North Dakota auto insurance rates are calculated based on many things that may substantially change the cost of having a policy. Improving your credit score, buying a home, or getting a speeding ticket may cause policy rate changes resulting in some companies being cheaper than competitors.

Find the Best Cheap Insurance for Your Jeep

Compare Rates and Save

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USAA generally has some of the cheapest car insurance rates in North Dakota at around $711 each year. Allied, Nodak Mutual, Grinnell, and Safeco also qualify as some of the best North Dakota insurance companies.

As shown above, if you currently have a policy with Grinnell and switched to Allied, you could earn savings of about $147. Insureds with Safeco may save as much as $222 a year, and State Farm insureds might see rate reductions of $242 a year.

Understand that those policy prices are averaged across all drivers and vehicles in North Dakota and do not take into consideration a specific rate value for a Jeep Grand Cherokee. So the car insurance company that is most affordable for your situation may not even be shown in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Discounts on cheap insurance for a Jeep Grand Cherokee in North Dakota

Insurance companies that provide policies for a Jeep Grand Cherokee may provide price discounts that may potentially lower prices by as much as 35% if you are eligible. The best auto insurance companies and some of their more popular discounts are detailed below.

• American Family policyholders can earn discounts including multi-vehicle, early bird, bundled insurance, Steer into Savings, good student, and air bags.
• State Farm discounts include anti-theft, multiple policy, good driver, Steer Clear safe driver discount, student away at school, and multiple autos.
• 21st Century may include discounts for defensive driver, early bird, good student, theft prevention, and air bags.
• Travelers may have discounts that include continuous insurance, save driver, payment discounts, student away at school, and good student.
• GEICO may offer discounts for daytime running lights, anti-lock brakes, seat belt use, five-year accident-free, federal employee, and good student.

The illustration below illustrates the comparison of premium costs with and without discounts applied. The premiums assume a female driver, no tickets, no at-fault accidents, North Dakota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, multiple policy, homeowner, claim-free, passive restraint, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a Jeep Grand Cherokee is 28% or $496.

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How much more does full coverage cost?

Finding cheap insurance for a Jeep Grand Cherokee in North Dakota is the goal of most vehicle owners, and one of the easiest ways to find cheaper insurance is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of insurance prices when comparing full coverage to liability only. The premiums assume no claims or driving citations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

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If we average the cost for all age groups, full coverage on your policy costs an extra $1,611 per year more than just buying liability insurance. Many drivers will wonder when is the right time to remove full coverage. There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $10,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $9,000 after paying the physical damage deductible. If you are paying more than $900 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

How to find cheap insurance for a Jeep Grand Cherokee in North Dakota

Below you’ll find some penny-pinching ideas that can help North Dakota drivers buy cheaper coverage.

• Tickets and violations raise rates
• Raise your deductibles
• The safer your car, the less it costs to insure
• Increase your credit rating
• At-fault accidents will increase rates
• Don’t waste money on full coverage for older vehicles
• Look for cheaper rates once a year by shopping around

That last piece of advice is especially crucial, as was discussed in this article. Rates fluctuate considerably, so drivers shouldn’t be resistant to buy a different policy if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not recommended if that stubbornness costs you money that could be going to better use. Take a few minutes and compare rates and find cheaper auto insurance for a Jeep Grand Cherokee.

State Farm, Allstate, Geico, or Progressive: Which is best?

If you want reliable insurance for a Grand Cherokee, four companies to consider are State Farm, Allstate, Geico, and Progressive. They all have the same basic coverages, but each one has a little bit different set of discounts and options that policyholders can choose from. The following table shows ratings for price, service, and claims, in additional to some of the optional coverages that are available for customers.